Mississippi SR-22 Insurance & High-Risk Coverage
Mississippi requires 25/50/25 liability coverage and is an at-fault state.
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Mississippi at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
No
A defensive driving course does not remove points here
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Mississippi
Drivers with DUI convictions, license suspensions for driving without insurance, at-fault accidents without coverage, or repeat traffic violations typically must file SR-22 proof of financial responsibility with the Mississippi Department of Public Safety. SR-22 filing is ordered by the state and confirms continuous coverage—any lapse restarts the 3-year requirement period.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Uninsured Motorist Coverage
Full Coverage
What Drivers Pay in Mississippi
$252–$256/mo
Typical monthly rate in Mississippi, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- SR-22 filing duration: rates remain elevated throughout the 3-year requirement, with gradual reductions for claim-free renewals
- Coverage lapses: a single lapse during SR-22 period restarts the clock and moves you to higher-tier non-standard carriers
- County and ZIP code: Jackson, Gulfport, and Biloxi have higher rates due to claims frequency and uninsured motorist density
- Credit-based insurance score: Mississippi allows credit scoring, which heavily impacts non-standard tier placement and renewal pricing
- Vehicle type: older vehicles with liability-only coverage cost less, but financed vehicles require full coverage at significantly higher premiums
Put Your Record Up Against Every Rate
Compare Rates for Your Driving RecordCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Mississippi's 25/50/25 minimums are legally required, but high-risk drivers often increase limits to 50/100/50 or higher to reduce lawsuit exposure and demonstrate lower risk at renewal.
SR-22 Insurance
Certificate filed by your insurer proving continuous coverage to the Mississippi Department of Public Safety. Required for 3 years after DUI, suspension, or uninsured accident. Not a separate policy—just proof of an active liability policy.
Non-Standard Auto Insurance
Policies from carriers specializing in high-risk profiles. Issued after DUI, violations, lapses, or SR-22 requirements when standard carriers decline coverage. Rates are higher but keep you legally insured.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when an at-fault driver has no insurance or flees the scene. Optional in Mississippi but recommended given high uninsured driver rates.
Full Coverage
Liability plus comprehensive and collision coverage. Protects your vehicle from theft, weather, vandalism, and accident damage. Required by lenders for financed or leased vehicles.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused it. Deductible applies ($500–$1,000 typical).